Compare Car Insurance Quotes in Saint John

We search over 50 trusted insurance providers to make sure Saint John drivers get their lowest rate.

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Get better rates in Saint John's

To legally drive a vehicle in Canada, you need to have auto coverage. It's easy to purchase your first policy and forget about it. It's even easier to renew it year after year, believing you're paying the best rate you can get. You may have gotten a great rate over a year ago, but that doesn't mean you can't get a better rate now. No one should overpay for car insurance, and we help you compare rates to make you don't. 

In Saint John's, the Financial and Consumer Services Commission oversees auto insurance licensing and regulation ensuring that insurers and insurance intermediaries are legal and compliant. The New Brunswick Insurance Board (NBIB), on the other hand, oversees rate regulation and processes all rate change requests.

Real rates for real customers.

Check out these rates we've secured for customers across Canada.

Auto insurance coverage in Saint John

  • Third party liability: Covers you if you are responsible for injuring someone or damaging someone's property with your car. Minimum required coverage is $200,000, but most drivers in New Brunswick opt for more.
  • Direct compensation - Property damage (DC-PD): Covers damage to or loss of your vehicle or its contents when another person is at fault in a collision. Even though you're not responsible, you still collect compensation directly from your own insurer. Certain conditions apply.
  • Accident benefits: Covers medical and rehabilitation costs, funeral benefits, death benefits, and loss of income if you or your passengers are injured in a collision. As a "no-fault" coverage, you are protected even if you are at fault.
  • Uninsured and unidentified insurance: Covers you in the event you are injured in a collision by an uninsured drive, or if you are involved in a hit-and-run and the vehicle or driver cannot be identified. Damage to your vehicle is also covered, subject to a deductible.

The following optional coverage is also available:

  • Collision (or upset) coverage: Pays for losses related to a collision with another object (including another vehicle) or rolls over. May be subject to a deductible.
  • Comprehensive coverage: Covers damage to your vehicle resulting from theft, vandalism or file. May be subject to a deductible.
  • Depreciation waiver coverage: Covers the full value of your car without depreciation-even if you haven't fully paid it off yet-if it is written-off in an accident within the first 24 months of the original delivery date. If your car can be safely repaired, this insurance covers that too.

It is mandatory for drivers to have a minimum of the following coverage: As for your personal possessions, those are typically covered under your home or tenants insurance policy rather than your auto policy. As with any insurance policy, always check with your provider to ensure you know exactly what you are and are not covered for.

Factors that infleuence how your auto rate is calculated

  • The vehicle you drive
  • Your personal driving record and history including any tickets, collisions, convictions, suspensions, or lapses in coverage
  • Past claims
  • Number of years licensed
  • How much coverage you have (more on that below)
  • If you have elected for optional additional coverage
  • Eligible discounts
  • If you have an occasional operator on your policy
  • Vehicle use - the time of day you drive, how often you drive it and where
  • Your insurance provider's claims history
  • Where you live (different territories have different claims experience)

The best times to shop around

Renewal time isn't the only time you should compare your rates. Other times you should do this include:

  • When you move
  • When you're adding a new driver to a policy
  • When you get married
  • When you get divorced
  • When you change jobs
  • When you retire
  • When you get a ticket or are involved in a collision
  • When you buy a new car

The last point is one of the best times to compare rates. There are many variables to consider, but the make and model of your vehicle can especially influence your rates if you drive a model that is more susceptible to auto theft. 

Before you buy, compare the average insurance costs for multiple vehicles simultaneously by using's car comparison tool. It also helps to read up on the most stolen vehicles and which cars hold their value best

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